Banks across India will remain closed on 25 October 2025 due to a scheduled bank holiday. Customers should be aware of the impact on banking services, including loan processing, fund transfers, and other day-to-day transactions.
Loan Processing
Applications: New loan applications will not be accepted at bank branches on the holiday.
Approvals and Disbursals: Loan approval processes and fund disbursals scheduled for 25 October will be delayed by at least one working day.
Digital Services: Online loan applications can still be submitted, but processing will resume only after the holiday.
Banking Transactions
NEFT/RTGS/IMPS: Transactions initiated on the holiday may not be processed until the next working day. IMPS transfers may continue depending on bank policies.
Cheque Clearances: Cheques deposited on 25 October will be cleared on the next working day.
ATM Withdrawals: ATMs will be operational, but cash deposits or cheque deposits will be updated only on resumption of banking.
Tips for Customers
Plan Loan Disbursals: If you are expecting loan approval or EMI payments, adjust timelines accordingly.
Schedule Transactions in Advance: Transfer funds or make payments before 25 October to avoid delays.
Check Bank Notifications: Banks may provide special instructions via mobile banking apps or SMS alerts.
Use Digital Banking: Online services like mobile wallets and UPI may still function, but confirm with your bank regarding processing times.
FAQ
Q1. Why are banks closed on 25 October?
A: Banks are closed for a scheduled bank holiday, which may be due to regional or national observances as per the Reserve Bank of India (RBI) calendar.
Q2. Will digital transactions work during the bank holiday?
A: UPI, mobile wallets, and internet banking transactions may work, but processing by banks may be delayed until the next working day.
Q3. How are loans affected by the holiday?
A: Loan applications, approvals, and disbursals will resume only on the next working day, causing minor delays.
Q4. Are ATMs operational on bank holidays?
A: Yes, ATMs remain functional, but deposits and cheque processing will be updated only after banks reopen.
Q5. How can customers prepare for bank holidays?
A: Customers should schedule transactions in advance, use online banking, and check with their banks regarding any specific holiday instructions.
Published on : 25th October
Published by : SMITA
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